ADCB Credit Cards

Introduction to ADCB Credit Cards

Founded in 1985, headquartered in Abu Dhabi, Abu Dhabi Commercial Bank (commonly known as ADCB) is one of the leading banks in the United Arab Emirates. ADCB is the third largest bank in the UAE. It offers retail banking, commercial banking, Islamic banking, and other financial services to its valuable customers.

The credit cards offered by ADCB come with an array of exclusive benefits, features, and rewards. The bank offers customized credit cards to fulfil the basic financial needs of various applicants. The credit card applicant can truly enjoy a rewarding experience by using the ADCB credit card.

Types of ADCB Credit Cards

Abu Dhabi Commercial Bank (ADCB) offers a wide range of credit cards that come with exclusive benefits and privileges. From fee-free credit cards to rewards credit cards, ADCB offers all types of credit cards. The cards are formulated as per the basic financial needs and requirement of various credit card applicants. Following are the credit cards offered by ADCB:

1. ADCB Islamic Classic Card

Annual Membership Fee: No annual fee

Retail Interest per Month: 3.25%

Main Benefits of the Card:

Utility Bill Payments: The cardholder can pay their utility bills using personal Internet banking account, Mobile Banking app, at any of the ADCB branch or ATM with cash deposit facility without waiting in a long queue.

Pay Order: With this ADCB credit card, the cardholder can get cash against their available credit limit with a pay order. What’s more, the amount is interest-free.

Fast Pay: The cardholder can pay their credit card bill at any one of the 50 ADCB branches, at 55 AI Ansari Exchanges, at over 50 UAE Exchange Centre Branches, or at 38 selected ATMs from the network of over 300 ATMs, and EPPCO/ENOC.

Convenient Payment Options: The cardholder can pay as little as 5% of their outstanding amount every month. They can carry forward the outstanding amount to the billing cycle of the next month.

TouchPoints Reward Program: With the ADCB Islamic Classic Card, the cardholder can earn 0.5 TouchPoint for every AED spent.

2. ADCB Islamic Gold Card

Annual Membership Fee: No annual fee

Retail Interest per Month: 3.25%

Main Benefits of the Card:

Utility Bill Payments: The card members can pay their utility bills using personal Internet banking account, Mobile Banking app, at any of the ADCB branch or ATM with cash deposit facility without waiting in a long queue. In addition to this, the cardholder can also set up auto debit instructions to pay utility bill payments from their ADCB Islamic Banking Savings or Current account.

Pay Order: With this ADCB credit card, the cardholder can also get cash against their available credit limit with a pay order. What’s more, the amount is interest-free.

Fast Pay: The cardholder can pay their credit card bills at any one of the 50 ADCB branches, at 55 AI Ansari Exchanges, at over 50 UAE Exchange Centre Branches, or at 38 selected ATMs from the network of over 300 ATMs, EPPCO/ENOC.

Islamic Credit Card Shield (Takaful): In case of critical illness or permanent disability, this ADCB credit card provides protection to the cardholder. In order to enjoy these benefits, the cardholder has to enrol themselves in the Takaful program by paying a nominal monthly fee. What’s more? It provides insurance coverage up to the limit of AED 100,000 against the risk of death by any of the cause.

Convenient Payment Options: The cardholder can pay as little as 5% of their outstanding amount every month. They can carry forward the outstanding amount of balance to the billing cycle of next month.

TouchPoints Reward Program: With the ADCB Islamic Gold Card, the cardholder can earn 0.75 TouchPoint for every AED spent.

3. ADCB Islamic Platinum Card

Annual Membership Fee: No annual fee

Retail Interest per Month: 3.25%

Main Benefits of the Card:

Utility Bill Payments: The cardholder can pay their utility bills using their personal Internet banking or through their phone 24 hours a day without waiting in a long queue.

Purchase Protection: The cardholder can avail purchase protection on the products purchased using the ADCB Islamic Platinum Card up to 90 days.

Pay Order: With this ADCB credit card, the cardholder can also get cash against their available credit limit with a pay order. What’s more, the amount is interest-free.

Fast Pay: The cardholder can pay their credit card bills at any one of the 50 ADCB branches, at 55 AI Ansari Exchanges, at over 50 UAE Exchange Centre Branches, or at 38 selected ATMs from the network of over 300 ATMs, and EPPCO/ENOC.

Islamic Credit Card Shield (Takaful): This ADCB credit card provides protection in case of critical illness or permanent disability. In order to enjoy these benefits, the cardholder has to enrol themselves in the Takaful program by paying a nominal monthly fee. What’s more? It provides insurance to the cardholder against the risk of death due to any reason for up to the limit of AED 100,000.

Exclusive Discounts: The member of this credit card can enjoy amazing dining discounts at specific restaurants all over the UAE.

Extended Warranty: The card member can avail an extended manufacturer’s or retailer’s warranty for 24 months on various products purchased using this credit card.

Global Assistance: The member of the ADCB Islamic Platinum Credit Card gets access to a host of privileges and benefits all over the world.

Complimentary Airport Lounge Access: With this card, the cardholder can enjoy complimentary access to some premium airport lounges across the cities they love to travel.

Convenient Payment Options: The cardmember can pay as little as 5% of the outstanding amount every month. They can carry forward the outstanding balance to the billing cycle of next month.

TouchPoints Reward Program: With the ADCB Credit Card, the cardholder can earn 1 TouchPoint for every AED spent.

4. ADCB Islamic Premium Gold Credit Card

Annual Membership Fee: No annual fee

Retail Interest per Month: 3.25%

Main Benefits of the Card:

Utility Bill Payments: The cardmember can pay their utility bills through personal Internet banking or through their phone 24 hours a day without waiting in a long queue.

Pay Order: With this ADCB credit card, the cardholder can also get cash against their available credit limit with a pay order. What’s more, the amount is interest-free.

Fast Pay: The cardholder can pay their credit card bills at any one of the 50 ADCB branches, at 55 AI Ansari Exchanges, at over 50 UAE Exchange Centre Branches, or at 38 selected ATMs from the network of over 300 ATMs, and EPPCO/ENOC.

Islamic Credit Card Shield (Takaful): This ADCB credit card offers protection in case of critical illness or permanent disability. In order to enjoy these benefits, the cardholder has to enrol themselves in the Takaful program by paying a nominal monthly fee. What’s more? It provides insurance to the cardholder against the risk of death due to any reason for up to the limit of AED 100,000.

Convenient Payment Options: The cardholder can pay as little as 5% of their outstanding amount every month. They can carry forward the outstanding balance to the billing cycle of next month.

TouchPoints Reward Program: With the ADCB Credit Card, the cardholder can earn 0.75 TouchPoints for every AED spent.

5. ADCB TouchPoints Infinite Card With MyChoice

Annual Membership Fee: No annual fee

Retail Interest per Month: 3.25%

Main Benefits of the Card:

Choose How to Earn the Rewards: With this ADCB Credit Card, the cardholder gets to choose the reward as per their preference. They can enjoy the freedom of choosing how they want to earn and spend TouchPoints.

The credit cardholder can choose one category or choose all of them:

Reward Categories Choice

Bonus TouchPoints for category purchases

Maximum TouchPoints reward per month per enrolled category

Supermarket

5 points / 1 AED

20,000

Telecom bill payments

5 points / 1 AED

20,000

Fuel

7 points / 1 AED

20,000

Utility bill payments

15 points / 1 AED

20,000

Duty-Free (national & international)

15 points / 1 AED

20,000

**In order to enjoy the ‘My Choice’ bonus rewards, the cardholder is required to make a total purchase of AED 2500 per month for each of the above-mentioned categories.

Free Movie Tickets: The cardholder can avail Buy One Get One Free movie ticket offer at VOX Cinemas. They can get up to 4 free movie tickets per month. Best of all, no minimum monthly purchases are required to avail this exclusive offer.

Complimentary Airport Lounge Access: This ADCB credit card lounge access card allows the cardholder plus one guest to enjoy unlimited free access to more than 850 premium airport lounges across many cities they love to travel.

Dining Discount: With this card, the cardholder can enjoy 25% off at some of the finest restaurants and eateries across the country.

Global Concierge Service: The member of this ADCB credit card can enjoy free concierge services.

Credit Shield: It is an optional insurance plan which covers the card outstanding for up to the limit of AED 100,000 against any unforeseen event such as critical illness, permanent total disablement, or death. In order to avail this benefit, the cardholder will have to pay a nominal monthly fee.

Credit Card Loan: With this ADCB credit card, the cardholder can get cash against their available credit limit with a pay order. They can repay the amount in easy instalments of up to 24 months.

Convenient Payment Options: The card member can pay as little as 5% of their outstanding amount every month. They can carry forward the outstanding balance to the billing cycle of next month.

TouchPoints Reward Program: With the ADCB Credit Card, the cardholder can earn 1.5 TouchPoints for every AED spent.

6. ADCB Touchpoints Credit Card with MyChoice

The card provides the flexibility to earn rewards so that the cardholder can earn while they spend. The applicant can choose from the available variants-Titanium, Gold, Classic, & Platinum.

Annual Membership Fee: AED 630

Retail Interest per Month: 3.25%

Main Benefits of the Card:

Choose How to Earn the Rewards: With this ADCB Credit Card, the cardholder gets to choose the reward that fits their lifestyle. They can enjoy the freedom of choosing how they want to earn and spend TouchPoints rewards.

The credit cardholder can choose one category or choose all of them:

Reward Categories Choice

Bonus TouchPoints for category purchases

Maximum TouchPoints reward per month per enrolled category

Supermarket

5 points / 1 AED

10,000 (Classic, Gold, & Titanium) 20,000 (Platinum)

Telecom bill payments

5 points / 1 AED

10,000 (Classic, Gold, & Titanium) 20,000 (Platinum)

Fuel

7 points / 1 AED

10,000 (Classic, Gold, & Titanium) 20,000 (Platinum)

Utility bill payments

15 points / 1 AED

10,000 (Classic, Gold, & Titanium) 20,000 (Platinum)

Duty-Free

15 points / 1 AED

10,000 (Classic, Gold, & Titanium) 20,000 (Platinum)

**In order to enjoy the ‘My Choice’ bonus rewards, the cardholder is required to make a total purchase of AED 2500 per month for each of the above-mentioned categories.

Free Movie Tickets: The cardholder can avail Buy One Get One Free movie ticket offer at VOX Cinemas with ADCB TouchPoints Credit Card. Member of the platinum card can avail up to 4 free movie tickets per month and member of Titanium, Gold, & Classic credit card will get up to 2 free movie tickets per month. Best of all, no minimum monthly purchases are required to avail this exclusive offer.

Complimentary Airport Lounge Access: The platinum cardholder can enjoy complimentary access to some premium airport lounges across many cities three times a year.

Complimentary Golf Access: The member of the Platinum Card can enjoy the privilege of playing unlimited golf all year round at AI Ain Equestrian Shooting & Golf Club, Arabian Ranches Golf Club Dubai, Yas Links Golf Club Abu Dhabi, & The Track, Meydan Golf Dubai. This is free of cost service offered by ADCB TouchPoint Platinum Credit Card with MyChoice.

Extra Privileges at Amusement Parks: At Ferrari World Abu Dhabi, Warner Brothers World and Yas Waterworld Abu Dhabi, member of this credit card can get up to 15% discount on entry tickets and passes purchased at the park ticket counters, 10% discount on food & beverages, and 15% discount on Merchandise.

Note- 0% interest payment plan is available on all purchases above AED 500 made at these amusement parks.

Dining Discount: With this ADCB credit card, the cardholder can enjoy 25% off at some of the finest restaurants and eateries across the country.

Credit Shield: At a nominal monthly fee, the card offers an optional insurance plan which provides insurance coverage for card outstanding for up to the limit of AED 100,000 against any unforeseen event such as critical illness, permanent total disablement, or death.

Credit Card Loan: With this ADCB credit card, the cardholder can get cash against their available credit limit with a pay order. They can repay the amount in easy instalments of up to 24 months.

Convenient Payment Options: The card member can pay as little as 5% of their outstanding amount every month. They can carry forward the outstanding balance to the billing cycle of next month.

TouchPoints Reward Program: With the ADCB Credit Card, the cardholder can earn 1 TouchPoint for every AED spent.

Transfer Balance: The cardholder can easily transfer their outstanding balance from other bank’s credit card to this ADCB credit card and save on interest rates.

Discount on Air Tickets and Hotel Bookings: With this ADCB credit card, the cardholder can get up to 20% off on flight bookings when booked through Cleartrip. The cardholder can get 20% off on hotel bookings when booked through com.

Complimentary Hotel Stays: On a minimum spend of AED 150,000 in a year, the cardholder can avail up to 6 nights’ complimentary hotel stay. In addition to this, the member of this travel credit card will get 2 nights complimentary hotel stay voucher as a signup bonus.

Complimentary Airport Lounge Access: The member of this ADCB airport lounge access credit card can enjoy unlimited free access to premium airport lounges across various cities.

TouchPoints Reward Program: With the ADCB Credit Card, the cardholder can earn 2 TouchPoints for every AED spent.

Extra Privileges at Amusement Parks: At Ferrari World Abu Dhabi, Warner Brothers World and Yas Waterworld Abu Dhabi, member of this credit card can get up to 15% discount on general admission tickets and passes purchased at the park ticket counters, 10% discount on food & beverages, 15% discount on Merchandise, and free quick passes worth AED 150 for priority access to ticket counters and rides.

Note- 0% interest payment plan is available on all purchases above AED 500 made at these amusement parks.

Complimentary Golf Access: With this card, the card member can get free access to a range of golf clubs including The Track Meydan Golf Dubai, Yas Links Golf Club Abu Dhabi, and Arabian Ranches Golf Club Dubai.

Discount on Careem Rides: The card member can get 20% off on Careem Rides two times a month.

Convenient Payment Options: The card member can pay as little as 5% of their outstanding amount every month. They can carry forward the outstanding amount of balance to the billing cycle of next month.

Credit Shield: At a nominal monthly fee, the card offers an optional insurance plan which covers card outstanding for up to the limit of AED 200,000 against any unforeseen event such as critical illness, permanent total disablement, or death.

Credit Card Loan: With this ADCB credit card, the cardholder can get cash against their available credit limit with a pay order. They can repay the amount in easy instalments of up to 24 months.

Buy 1 Get 1 Offer: This traveller credit card offers hundreds of Buy 1 Get 1 offer on fine dining, premium spas and much more across the Middle East & Africa.

8. ADCB Lulu Titanium/Gold Card

Annual Membership Fee: No annual fee

Retail Interest per Month: 3.25%

Main Benefits of the Card:

Complimentary Lounge Access: The cardholder can enjoy complimentary airport lounge access at more than 850 premium airport lounges across various cities with this ADCB lounge access credit card thrice a year. In addition to this, they can get unlimited lounge access at 12 airport lounges across the Middle East which includes Kuwait, Jeddah, Amman, Dubai, Cairo, and Abu Dhabi.

Extra Privileges at Amusement Parks: At Ferrari World Abu Dhabi, Warner Brothers World and Yas Waterworld Abu Dhabi, member of this credit card can get up to 15% discount on general admission tickets and passes purchased at the park ticket counters, 10% discount on food & beverages, 15% discount on Merchandise, and free quick passes worth AED 150 for priority access to ticket counters and rides.

Note- 0% interest payment plan is available on all purchases above AED 500 made at these amusement parks.

Credit Shield: At a nominal monthly fee, the card offers an optional insurance plan covers card outstanding for up to the limit of AED 100,000 against any unforeseen event such as critical illness, permanent total disablement, natural death, and involuntary loss of employment.

Credit Card Loan: With this ADCB credit card, the cardholder can get cash against their available credit limit with a pay order. They can repay the amount in easy instalments of up to 24 months.

Convenient Payment Options: The card member can pay as little as 5% of their outstanding amount every month. They can carry forward the outstanding balance to the billing cycle of next month.

Buy 1 Get 1 Offer: This ADCB credit card offers hundreds of Buy 1 Get 1 Offer on fine dining, premium spas and much more across the Middle East & Africa.

Rewards: The cardholder can earn up to 5% rewards as LuLu points for the purchases at LuLu stores. In addition to that, using this ADCB credit card, they can maximize their reward earning points by making using this credit card for paying utility bills, dining, school fees, fuel etc.

LuLu Points: With the ADCB Credit Card, the cardholder can earn up to 3.5 LuLu points for each AED spent at a LuLu store. For other purchases, they can earn 1 LuLu point for each AED spent.

Extra Privileges at Amusement Parks: At Ferrari World Abu Dhabi, Warner Brothers World and Yas Waterworld Abu Dhabi, credit card member can get up to 15% discount on general admission tickets and passes purchased at the park ticket counters, 10% discount on food & beverages, 15% discount on Merchandise, and free quick passes worth AED 150 for priority access to ticket counters and rides.

Note- 0% interest payment plan is available on all purchases above AED 500 made at these amusement parks.

Credit Shield: At a nominal monthly fee, the card offers an optional insurance plan which covers card outstanding for up to the limit of AED 100,000 against any unforeseen event such as critical illness, permanent total disablement, natural death, and involuntary loss of employment.

Credit Card Loan: With this ADCB credit card, the cardholder can also get cash against their available credit limit with a pay order. They can repay the amount in easy instalments of up to 24 months.

Convenient Payment Options: The card member can pay as little as 5% of their outstanding amount every month. They can carry forward the outstanding balance to the billing cycle of next month.

Buy 1 Get 1 Offer: This ADCB credit card offers hundreds of Buy 1 Get 1 offer on fine dining, premium spas and much more across the Middle East & Africa.

Rewards: The cardholder can earn up to 5% rewards as LuLu points for the purchases made at LuLu stores. In addition, the cardholder can maximize their reward points by using the credit card for making utility payment, paying dining bills, school fees, fuel expenses etc.

LuLu Points: With the ADCB Credit Card, the cardholder can earn up to 5 LuLu points for each AED spent at a LuLu store. For other purchase, they can earn 1.25 LuLu points for each AED spent.

10. ADCB Lulu Standard Credit Card

Annual Membership Fee: No annual fee

Retail Interest per Month: 3.25%

Main Benefits of the Card:

No Annual Fee: This ADCB credit card comes with zero annual charges and renewal fees that make it a free for life card.

LuLu Points: The cardholder can earn 1.5 LuLu points for each AED spent at a LuLu store and 0.5 LuLu points for each AED spent anywhere else. These LuLu points can easily be redeemed for vouchers which can be utilized for purchases at any LuLu store in the UAE.

Credit Card Loan: With this credit card, the cardholder can get cash loan against their available credit limit at low-interest rates with easy repayment options.

Instalment Plans: The member of this credit card can convert their purchases into easy instalment plans at low-interest rates.

Credit Shield: At a nominal monthly fee, the credit cardholder can opt for the credit shield that offers them protection for the outstanding balance in case of any unforeseen events such as critical illness, permanent total disablement, natural death, and involuntary loss of employment.

Fast Pay: The card member of this ADCB credit card can pay their credit card bill at any ADCB branches or at selected ATMs in all over UAE.

Anniversary Bonus Miles: This card offers 25,000 Etihad Guest Miles as the anniversary

Etihad Guest Miles: The cardholder can earn 1.5 Etihad Guest Miles for every USD spent locally. Additionally, they earn 50% bonus miles when the card is used for purchasing anything at Duty-Free stores. In addition to this, they can earn 100% bonus miles for booking flight tickets with Etihad Airways using this credit card.

Tier Miles: The cardholder can earn Tier Miles on purchasing put on this credit card. They earn 1 Etihad Guest Tier mile for every USD of eligible purchase, local as well as international.

Purchase Protection & Extended Warranty: Using ADCB Etihad Guest Above Infinite Card anywhere in the world, the cardholder can enjoy complimentary purchase protection for 90 days. In addition to this, they can enjoy an automatic extension of up to 24 months of manufacturer’s or retailer’s warranty on specific items.

Multi-Trip Travel Insurance: This credit card offers comprehensive multi-trip travel insurance which protects the cardholder and their family member for a domestic and international trip.

Medical & Legal Referral Services: This card offers an optimum Medical & legal referral assistance to the card member as well as their family member when travelling outside the country for up to 90 days.

Credit Shield: At a nominal monthly fee, the cardholder can avail an optional insurance plan which covers the card outstanding for up to the limit of AED 200,000 against any unforeseen event such as critical illness, permanent total disablement, natural death, and involuntary loss of employment.

Utility Bill Payments: The card member can pay their utility bills (AADC, DEWA, Etisalat, ADDC, and SEWA) through ADCB personal Internet banking or through mobile banking 24 hours a day without waiting in a long queue.

Transfer Balance: The card member can easily transfer their outstanding balance from other bank’s credit card to their ADCB credit card at low-interest rates.

Credit Card Loan: With this ADCB credit card, the cardholder can get cash against their available credit limit with a pay order. They can repay the amount in easy instalments of 6, 9, 12, 18 or 24 months.

Etihad Guest Miles: The cardholder can earn 1 Etihad Guest Miles for every USD spent locally. They will earn 50% bonus miles when they use this card for lodging expenses or making purchases at Duty-Free stores. In addition to this, they can earn 100% bonus miles by booking flight tickets with Etihad Airways using this credit card.

Tier Miles: The cardholder can earn Tier Miles on purchases put on this credit card i.e.1 Etihad Guest Tier mile with every USD of eligible purchase, locally as well as internationally.

Complimentary Lounge Access: Thrice a year, the cardholder can avail complimentary access to premium airport lounges across the many cities by using this ADCB airport lounge credit card.

Complimentary Golf Access: With this card, the cardholder can get free access to The Track Meydan Golf Dubai, Yas Links Golf Club Abu Dhabi, and Arabian Ranches Golf Club Dubai.

Complimentary Airport Chauffeur Service: The member of this credit card can avail two one-way complimentary airport rides in a year.

Extra Privileges at Amusement Parks: At Ferrari World Abu Dhabi and Yas Waterworld Abu Dhabi, member of this credit card can avail up to 15% discount on entry tickets and annual passes, 10% discount on food & beverages, 15% discount on Merchandise, and free quick passes worth for priority access to ticket counters and rides.

Note- 0% interest payment plan is available for all purchases above AED 500 made at these two amusement parks.

Purchase Protection & Extended Warranty: Using this ADCB Credit Card anywhere in the world, the cardholder can enjoy complimentary purchase protection for 90 days. In addition to this, they can also enjoy an automatic extension of up to 24 months of manufacturer’s or retailer’s warranty on specific items.

Family Protector Plus: For as little as 50 Fils per day, it offers an optional life insurance plan that covers accidental death, natural death, disability, and in-patient medical expenses.

Medical & Legal Referral Services: This card offers an optimum Medical & legal referral assistance to card owner as well as their family member when travelling outside the country for up to 90 days.

Credit Shield: At a nominal monthly fee, it offers an optional insurance plan which covers card outstanding for up to the limit of AED 100,000 against any unforeseen event such as critical illness, permanent total disablement, natural death, and involuntary loss of employment.

Utility Bill Payments: The card member can pay their utility bills (AADC, DEWA, Etisalat, ADDC, and SEWA) through ADCB personal Internet banking or through mobile banking 24 hours a day without waiting in a long queue.

Transfer Balance: The card member can easily transfer their outstanding balance from other bank’s credit card to this ADCB credit card at low-interest rates.

Credit Card Loan: With this ADCB credit card, the cardholder can get cash against their available credit limit with a pay order. They can repay the amount in easy instalments of 6, 9, 12, 18 or 24 months.

13. ADCB Etihad Guest Above Gold & Classic Card

Annual Membership Fee: No annual fee

Retail Interest per Month: 3.25%

Main Benefits of the Card:

Etihad Guest Miles: With the ADCB Etihad Guest Above Classic Card, the card member can earn 0.33 Etihad Guest Miles for every USD spent. With ADCB Etihad Guest Above Gold Card, the card member can earn 0.75 Etihad Guest Miles for every USD spent.

Zero Annual Fee: Both of these cards are free for life credit cards as they have zero annual fees.

Extra Privileges at amusement parks: At Ferrari World Abu Dhabi and Yas Waterworld Abu Dhabi, member of Etihad Guest Above Classic & Gold Card can get up to 15% discount on entry tickets and annual passes, 10% discount on food & beverages, 15% discount on Merchandise, and free quick passes worth for priority access to ticket counters and rides.

Note- 0% interest payment plan is available on all purchases above AED 500 made at these amusement parks.

Credit Shield: Etihad Guest Above Classic & Gold Card offers protection in the unforeseen event of critical illness, permanent total disablement, natural death, and involuntary loss of employment. In order to get this benefit, the cardholder has to enrol in the Credit Shield programme by paying a nominal monthly fee. It insures the cardholder against the risk of death due to any cause for up to 100,000

Family Protector Plus: For as little as 50 Fils per day, the optional life insurance plans covers accidental death, natural death, disability, and in-patient medical expenses.

Utility Bill Payments: The card member can pay their utility bills (AADC, DEWA, Etisalat, ADDC, and SEWA) through ADCB personal Internet banking or through mobile banking 24 hours a day without waiting in a long queue.

Credit Card Loan: With Etihad Guest Above Classic & Gold Card, the cardholder can get cash against their available credit limit with a pay order. They can repay the amount in easy instalments of 6, 9, 12, 18 or 24 months.

14. ADCB Business Platinum Credit Card

Annual Membership Fee: AED 208.95

Retail Interest per Month: 3.25%

Main Benefits of the Card:

Cashback Rewards: Using ADCB Business Platinum Credit Card, the member gets 1% cashback on all purchases made anytime and anywhere in the world.

Complimentary Lounge Access: This ADCB airport lounge access credit card offers complimentary access to premium airport lounges across many cities for primary as well as supplementary cardholder thrice a year.

Dining Discount: With this ADCB credit card, the member can get up to 25% off at some of the finest restaurants and eateries across the country.

Corporate Liability Waiver Insurance– It safeguards the card member and their company against unauthorized use of the ADCB Business Platinum credit card by the employees.

Fraud Insurance– It safeguards the card member and their company against fraudulent account activities for unauthorized charges on their lost or stolen card.

Credit Shield: At a nominal monthly fee, the cardholder can opt for an optional insurance plan which covers the card outstanding for up to the limit of AED 100,000 against any unforeseen event such as critical illness, natural death, permanent total disablement, or involuntary loss of employment.

Convenient Payment Options: The card member can pay as little as 5% of their outstanding amount every month. They can carry forward the outstanding amount of balance to the billing cycle of next month.

Transfer Balance: The card member can easily transfer their outstanding balance from other bank’s credit card to their ADCB credit card and save on interest. They can repay the amount within 12 months.

Credit Card Loan: With ADCB Business Platinum Credit Card, the cardholder can also get cash against their available credit limit with a pay order. They can repay the amount in easy instalments of 6, 9, 12, 18 or 24 months.

Extra Privileges at Amusement Parks: At Ferrari World Abu Dhabi, Warner Brothers World and Yas Waterworld Abu Dhabi, member of this credit card can get up to 15% discount on entry tickets and annual passes purchased at the park ticket counters, 10% discount on food & beverages, 15% discount on Merchandise, and complimentary quick passes for priority access to ticket counters and rides.

Discount on Careem Rides: The cardholder can get 20% off on Careem Rides three times a month. Also, they will get the first ride free.

Global Airport Lounge Access: This ADCB airport lounge access credit card offers unlimited access to more than 1000 local and international airport lounges. In addition to this, the card owner with an accompanying guest can avail exclusive Diamond lounge at the VIP terminal, and Abu Dhabi International Airport.

Hertz President’s Circle Status: The card member can upgrade to the Hertz Gold Plus Rewards President’s Circle and enjoy up to 15% off on all rentals, guaranteed free upgrades etc.

Complimentary Hotel Stay: The cardholder will get an extra night free upon booking two or three nights at St. Regis Hotels & Resorts, Westin, W Hotels, and Sheraton. If they book four nights, they’ll get another two nights for the same price at these hotels.

Avis Rent A Car Benefits: The card member can avail up to 25% off on all rentals with Avis. They can avail a free upgrade and 10% discount on premium chauffeur services.

Premium Hotel Benefits: It offers Discovery Black-level Membership from Global Hotel Alliance caters amazing benefits at more than 500 luxury hotels and resorts all over the world. The card member will enjoy room upgrades and guaranteed room availability. Also, it also offers the facility of early check-in and late check-out to its cardholder.

Free Golf Access: ADCB Corporate Exclusive Credit Cardmember can play golf for free all year round at some of the best golf courses such as The Track Meydan Golf Dubai, Yas Links Golf Club Abu Dhabi, Arabian Ranches Golf Club Dubai, AI Ain Equestrian Shooting & Golf Club. Also, the cardholder can play free golf at Sharjah Golf & shooting club (excluding public holidays, Fridays & Saturdays).

Complimentary Multi-trip Travel Insurance: This ADCB credit card provides comprehensive travel insurance to its cardholder for medical emergencies, personal accident, travel inconvenience & cancellation. It provides coverage for local as well as international trips.

Complete Fraud Protection: It safeguards the card member against fraudulent account activity for unauthorized charges incurred on their lost or stolen card or the charges.

Hertz Gold Membership: With this ADCB credit card, the card member can avail complimentary Hertz Gold membership. Also, they can enjoy 15% off on free car-class upgrades and on advertising

Several entertainments, dining, and accommodation offer: Member of this ADCB Corporate Exclusive Credit Card can avail exclusive offers on entertainment, dining, and accommodation at some of the leading venues worldwide.

Maximize Cash Flow: The card member can enjoy up to 50 days interest-free period. The cash advance limit is 60% of the credit limit.

Control on Credit card Limit: The credit limit for each of the ADCB Corporate credit cards can be adjusted individually.

Simplified Services:

There is no limit on the number of cards an applicant can apply for.

Member of this credit card can receive itemized monthly statements.

Security:

This ADCB credit card comes with corporate liability waiver insurance which protects the cardholder against the misuse of the credit card.

It also comes with a facility of advanced Chip & Pin security, with convenient Tap and Go

18. ADCB Purchasing Card

Annual Membership Fee: AED 208.95

Retail Interest per Month: 3.25%

Main Benefits of the Card:

Maximize Cash Flow: This ADCB credit card comes with an interest-free period of 50 days.

Security: It comes with a facility of advanced Chip & Pin security.

Control on Credit Card Limit: The credit limit ADCB Purchasing credit cards can be set individually.

Simplified Services:

There is no limit on the number of cards a card member can apply for.

The member of this credit card receives itemized monthly statements.

Features and Benefits of ADCB Credit Cards

ADCB credit cards are available in a wide variety of options. Each of the credit cards comes with a specific credit limit. The offered benefits redefine the lifestyle of card member while offering them truly a rewarding experience. Some of the major benefits and features offered by ADCB credit card are as follows:

Airport Lounge Access

The cardholder can spend their waiting time at the luxurious airport lounges across thousands of locations with the ADCB credit card. The primary cardholder can bring a guest and enjoy this privilege.

Golf Benefits

The UAE is home to some of the best golf courses in the world. With the ADCB credit card, the card member can avail complimentary access to some of the best golf courses across the country. Upon spending a minimum of AED 5,000 per month, some ADCB credit cards offer complimentary golf access.

Free Movie Ticket Offers

With certain ADCB credit cards, the card member can avail up to four Buy One Get One Free offer on movie ticket at VOX Cinemas all over the nation. It is valid for 2D, 3D, and IMAX Movie Tickets purchased with ADCB credit card through the website of VOX Cinemas or the VOX Mobile App. Best of all, no minimum monthly purchase is required to be eligible for this exciting offer. This is not less than a treat for movie-goers.

Dining Discount

By using the ADCB credit card, the card member can enjoy up to 25% discount at some of the finest restaurants and eateries in the UAE.

Instalment Plans

Majority of the ADCB credit cards offers the cardholder to convert high-value transactions into monthly instalment plans at low-interest rates and tenors of up to 24 months. In addition to this, it also offers 0% instalment payment plans for specific merchants.

No Annual Fees

Many of the ADCB credit cards are fee-free for life. ADCB credit cards compare also loaded with exciting benefits and features that enable the cardholder to make the most of their credit card.

Credit Shield

ADCB credit cards provide an insurance policy known as Credit Shield. Under this insurance policy, any unforeseen event such as critical illness, natural death, permanent total disablement, and involuntary loss of employment are covered by Abu Dhabi National Insurance Company (ADNIC).

Convenient Payment Options

ADCB credit cardholder can make payment for their card outstanding amount through Personal Internet Banking, Mobile banking, Cash Deposit machines, or through any of the ADCB branches. They can also set up auto debit instructions to pay off their credit card bill using their ADCB Saving or Current Bank Account.

Alternatively, member of the ADCB credit card can make payments at ENOC/EPPCO, UAE Exchange, AI Ansari Exchange or at LuLu Exchange branches.

Note- A nominal transaction fee of AED 5 per payment will be charged for credit card bill payments made through partner payment locations.

Travel Gains

Keeping the need of avid travellers in mind, ADCB offers some of the best travel credit cards that are loaded with exclusive travel benefits. From a complimentary stay in the world-class hotels to upgraded room category, ADCB credit cards enable the cardholder to avail the best travel benefits. Additionally, travel benefits also include discounted car rentals and complimentary travel insurance.

ADCB Credit Card Profit Interest Rates and Annual Fees

Given below are the profit interest rates and annual fees for all ADCB credit cards:

Card Name

Retail Monthly Interest Rate (in %)

Annual Membership Fee (in AED)

ADCB Islamic Classic Card

3.25

0

ADCB Islamic Gold Credit Card

3.25

0

ADCB Islamic Premium Gold Credit Card

3.25

0

ADCB Islamic Platinum Card

3.25

0

ADCB TouchPoints Infinite Card With MyChoice

3.25

0

ADCB Touchpoints Credit Card with MyChoice

3.25

630

ADCB Traveller Credit Card

3.25

1050

ADCB Lulu Titanium/Gold Card

3.25

0

ADCB Lulu Platinum Card

3.25

0

ADCB Lulu Standard Credit Card

3.25

0

ADCB Etihad Guest Above Infinite Card

3.25

2625

ADCB Etihad Guest Above Platinum Card

3.25

1050

ADCB Etihad Guest Above Gold & Classic Card

3.25

0

ADCB Business Platinum Credit Card

3.25

208.95

ADCB Betaqti Credit Card

2.50

2100

ADCB Corporate Exclusive Credit Card

3.25

208.95

ADCB Corporate Credit Card

3.25

208.95

ADCB Purchasing Card

3.25

208.95

(Updated as of January 2019)

Eligibility Criteria of ADCB Credit Card

If the applicant meets the ADCB credit card eligibility requirements, applying for an ADCB Credit Card is not at all difficult. Following are some of the factors that determine whether an applicant is eligible for an ADCB credit card or not:

Age: In order to apply for ADCB’s credit card, the applicant should fall in the age group of 21 years to 65 years.

Income: Each of the ADCB Credit Card comes with a minimum monthly income requirement. It means that the applicant should have a steady source of income. They must have proof of permanent monthly income to be eligible for ADCB credit cards.

Address Proof: A valid residence address is also required to complete the credit card application process.

Credit Score: No matter how good the monthly salary is, poor credit history may result in rejection of the credit card application. That is why having a good credit history is essential for getting an ADCB credit card.

How to Apply for an ADCB Credit Card?

The applicant can apply for ADCB Credit Card by visiting the nearest bank branch, submitting the credit card application online or via phone.

Online Application

Nowadays, banks in the UAE offer an online application process. In order to understand the features, benefits, and requirement of the credit card, the applicants can click on the credit cards section on the official website of ADCB and opt for the credit card which suits their financial needs and requirements. They can click on the apply button, fill in the required information, and submit their credit card application. Once all the details are filled in, the bank officials will verify the credibility of the provided information. Based on the eligibility criteria of the applicant, they will decide whether the applicant will get the credit card or not.

Credit card experts recommend opting for a credit card on the basis of comparison. The applicant can compare various credit cards online.

Bank Branch Visit

The applicant can also apply for an ADCB credit card by visiting the nearest bank branch and apply for the credit card that suits their basic requirements. The applicant has to fill in all the basic details in the credit card application form. If they meet the eligibility criteria as per the bank’s guidelines, their credit card application will be taken forward.

Phone

The applicant can also apply for an ADCB credit card through the phone. All they’re required to is call the toll-free number on 600 56 2626.

Documents required to complete the ADCB credit card application are as follows:

Passport (For expats)

UAE Residence Visa (For expats)

Emirates ID

Salary Certificate

3 to 6 months’ bank statements

Address Proofs (such as utility bills)

A trade license (for self-employed individuals)

ADCB Credit Card Limit

Different ADCB cards come with different card limit. While deciding the credit card limit for each applicant some common parameters are taken into consideration:

Type of ADCB credit card

Credit history of the applicant

Income & other debts

Track record with ADCB

Fees & Charges of ADCB Credit Cards

It is very important to understand the various charges applicable to the ADCB credit card before using the card. It helps to avoid paying extra. Here are the fees & charges of ADCB credit cards:

Annual Membership Fees: Vary from card to card

Late payment Fees: AED 241.50 (if the minimum payment due is not paid by the due date)

Over Limit Fees: AED 288.75

Card replacement fee: AED 78.75

The complete list of ADCB credit card charges can be found online.

How to Cancel an ADCB Credit Card?

In case the cardholder isn’t able to use the card, and they want to prevent charges from accumulating on the unused ADCB credit card, they should immediately cancel the card. It helps them to avoid paying extra charges.

For cancelling the ADCB credit card, cardholder needs to talk to ADCB representative and request for cancellation. The ADCB representative may require written confirmation for the same. Also, keep in mind that the cancel request will only be completed after all payment of the outstanding balance is made by the cardholder. Once all the dues have been paid, ADCB will cancel the credit card.

However, the bank may also cancel the credit card from their end in the following cases:

If the card member has been continuously missing paying their credit card bill.

If the card member uses the card for unlawful activities.

If the card has been inactive for a defined period of time (Usually 12 months)

Why Choose ADCB’s Credit Card?

ADCB is renowned for offering innovative and customer-friendly financial services. ADCB credit cards are a prime example of their commitment to customers from all economic standings. Well, there are a dozen reasons to pick ADCB credit card, but the major ones are as follows

Variety of Credit Cards

Ranging from free for life to high rewards credit cards; ADCB has managed to offer various categories for all types of credit card member. They can pick any of the credit cards that perfectly suit their need, lifestyle, and budget.

Excellent Benefits & Features

Another major reason for choosing ADCB credit cards is that they are loaded with exciting benefits and features which make shopping experience truly rewarding.

Tie-up with Top Brands

Majority of the credit cards have a tie-up with top brands such as VOX Cinemas, The Track Meydan Golf Dubai, Yas Links Golf Club Abu Dhabi, St. Regis Hotels & Resorts, Westin, W Hotels, and Sheraton and many which offer extra privileges and benefits to their cardholder.

You earn TouchPoints every time when you use TouchPoints credit card. You can redeem the accumulated TouchPoints for booking airline tickets, shopping, dining, paying utility bills, fuel stations etc.

Q.4. What benefits are offered by LuLu Credit card?

LuLu Credit cards are specially designed for LuLu shoppers. You earn LuLu points every time you use this credit card. You can redeem the accumulated LuLu points for vouchers to spend at any of the LuLu stores in the UAE.

Every spend put on LuLu credit card earns points that can be redeemed for free shopping at a range of general stores including LuLu, AI Falah Plaza & Emirates general stores in the country.

Q.5. What are the variants available for the ADCB LuLu Credit card?

Currently, the ADCB LuLu Credit Card is available in the Titanium, Platinum, & Standard variants.

You can use ADCB credit card anywhere in the world and can avail exclusive privileges each time you use the card.

Q.8. How can I update my mobile number?

You can update your mobile number by contacting customer care.

Q.9. Can I transfer my TouchPoints to someone’s account?

No, you can’t transfer your TouchPoints to someone’s account.

Q.10. What is an instalment plan?

An instalment plan allows the cardholder to pay for a big amount in smaller instalments over an agreed upon a number of months. In other words, the cardholder can purchase items within their credit card limit and pay the full amount over a period of time. Many banks offer zero interest instalment plan, which charges no additional amount for the monthly instalments. However, you should confirm whether the selected merchant is eligible for the instalment plan before making a purchase.

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